How Much Down Payment Do You Actually Need?

The 20% down payment myth costs buyers years of waiting for no real reason. In this video, Brandon Carus, mortgage loan officer with Cream City Mortgage (CCM), breaks down the real minimums (as little as 3% for first-time buyers), why locking money into a down payment is different from having it available for emergencies and moving costs, and why your total savings number and your actual down payment number are two very different figures. Brandon also covers down payment assistance programs, gift funds, and why "cash to close" (not just the down payment) is the number that actually matters. Want to know your real cash-to-close number? Reach out to Brandon directly and he'll run it for you.

Reach out to Brandon directly

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